Small loans by holdingWen Air Jordan 11 / Zhou Dewen has been left out of small micro-enterprise loans to commercial banks in recent years by the blitz. Since 2009, Minsheng Bank will shift the focus of Air Jordan 3 Retro a loan for small and medium micro entrepreneurs 'Business Loan'; last April contractor banks to enter Beijing, just one year small micro-loan business amounted to 240 million Air Jordan 2 yuan; followed by Bank of Hangzhou launched the 'Order credit' 'small and micro loans' and other Air Jordan 12 products; Ningbo Bank also select quality small businesses tailor-made 'financial integrity' 'Easy transparent financial' and other products; Construction Bank with annual sales of less than 5 million small and micro enterprises to develop levy Letter and trusted processes; Guangdong Branch of Bank of China set up in some areas, 'credit factory' will shorten the small micro-enterprise loan approval aging to 3-5 days; Bank loans to small and micro business segments, providing a differentiated service ...... networks a large number of Europe and America P2P mode platform for all loans. Small micro-loans by holding financial reform is a welcome phenomenon. British economist Michael Schumacher in 1973, in its denouncing the ills of modern industrial civilization book 'Small is beautiful,' he wrote: 'with respect to the expansion of the trail, reckless predatory development, small gives us the feeling will be more Beautiful. 'small Air Jordan 12 and micro Nike Free enterprises is to support the cornerstone of economic and social development. Data show that the industrial and commercial registration of small and micro enterprises 10,230,000, accounting for 99% of the total Chinese enterprises, providing 85% of jobs, goods and services accounted Nike Nike Air Max Shoes for 60% of gross domestic product, the country's total enterprises paid taxes 54.3 %. 'From the recent market' of small and micro enterprises, but it has been under the 'furthest from the capital market,' the pain, unable to enjoy the full range of financial services. Air Jordan 6 Many occurred in 2011 in Wenzhou boss 'on foot', small and micro enterprises closed down, it is a small micro-enterprise financing nowhere after a brutal performance funding strand breaks. Small micro-enterprise financing difficulty, of course, not unrelated to their own 'inferiority.' Industrial level is low, management lags behind, the financial system is not perfect, was a lack of collateral and lack of credit history and so on. And in-depth study of China the problem of financing small and micro enterprises, in addition to state-owned banks 'discrimination', and many other reasons: small-scale local banking institutions, small and micro enterprises difficult to meet the huge financing needs; new financial institutions such as small loan companies , rural banks, a small number of equity investment institutions, service coverage, limited influence; private financing due to the financial system in a gray state, can not become the main channel of financing. Ultimately, the Chinese financial system due to the imperfect. With the spirit Air Jordan 3 Retro of eighteen Air Jordan 8 Retro implemented, especially scientific and technological development of small and micro enterprises small and micro enterprises will get more policy support to small and micro finance business will inevitably get bank loans more attention. By holding in the small and micro loans, we must pay attention to solve some problems. As part of the banks Air Jordan 1 lack the local knowledge of the market of small and micro enterprises, resulting in business management and service model homogeneity, is not conducive to small and micro enterprises to Nike King meet the differences and characteristics of the demand for credit; how micro loans to small business standardization, process, reduce small Micro-enterprise business costs? In particular, small and micro loan risk management must focus on and take effective measures. It should be highlighted the risk of 'Everyone loans' (P2P) the borrowing pattern. Everyone Loan is a small amount of funds dispersed build up funds to lend to the needs of the population of the business model. In theory, this model makes sense to meet personal financial needs, develop personal credit system and improve the social aspects Nike Shox of the utilization of idle funds. But it is based on individual credit rating, currently China's credit system, especially the personal Air Jordan Women credit information collection and the establishment is not complete, plus network features all loan transactions, information technology faces enormous risks, as they can not log in as the Bank credit system understand the creditworthiness of the borrower, the loan after the effective supervision. Everyone Credit risks are generally greater than private lending. Therefore, I think that at least for now should be encouraged large scale, we must strengthen supervision, through pilot regulate their operation, lessons learned, as appropriate, to decide whether to be developed. (The author is deputy director of the Central Economic Committee of the Association, Wenzhou Management Science Research Institute)